Symbols / OVLY Stock $34.21 +1.63% Oak Valley Bancorp

Financial Services • Banks - Regional • United States • NCM
OVLY (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Christopher M. Courtney
Exch · Country NCM · United States
Market Cap 287.82M
Enterprise Value 89.72M
Income 23.93M
Sales 82.09M
FCF (ttm) —
Book/sh 25.21
Cash/sh 24.36
Employees 244
Insider 10d —
IPO Oct 15, 2003
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 23.44%
P/E 11.88
Forward P/E —
PEG —
P/S 3.51
P/B 1.36
P/C —
EV/EBITDA —
EV/Sales 1.09
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.88
EPS next Y —
EPS Growth 0.00%
Revenue Growth 6.10%
EPS Gr Q/Q 0.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-17
Earnings (prior) —
ROA 1.22%
ROE 12.28%
ROIC —
Gross Margin 0.00%
Oper. Margin 34.96%
Profit Margin 29.14%
Shs Outstand 8.41M
Shs Float 7.10M
Insider Own 15.14%
Instit Own 33.80%
Short Float 0.69%
Short Ratio 1.72
Short Interest 50.31K
52W High 35.47
vs 52W High -3.55%
52W Low 24.77
vs 52W Low 38.11%
Beta 0.21
Impl. Vol. —
Rel Volume 3.72
Avg Volume 35.95K
Volume 133.86K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $33.66
Price $34.21
Change 1.63%
About

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$34.21
Latest analyst target
3. DCF / Fair value
$43.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$34.21
Low
—
High
—
Mean
—
News
RSS: Latest OVLY news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-28 LAFFERTY ALLISON C Director — 87 $33.44 $2,909
2026-05-26 BARTON DONALD Director — 375 $33.77 $12,664
2026-05-12 HOLDER H RANDOLPH JR Director — 200 $32.50 $6,500
2026-05-05 LAFFERTY ALLISON C Director — 180 $33.19 $5,974
2026-04-29 LEONARD DANIEL J Director — 375 $33.00 $12,375
2026-02-27 LAFFERTY ALLISON C Director — 506 $32.50 $16,492
2026-02-27 STAHL RUSSELL E Chief Technology Officer — 784 $0.00 $0
2026-02-27 STEPHENS GARY Officer — 784 $0.00 $0
2026-02-27 DEHART JULIE Officer — 784 $0.00 $0
2026-02-27 GHAN CATHY Officer — 784 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
81.73
+6.71%
76.59
-7.09%
82.43
+25.57%
65.65
Operating Revenue
81.73
+6.71%
76.59
-7.09%
82.43
+25.57%
65.65
Selling General And Administration
30.84
+7.68%
28.64
+9.69%
26.11
+13.30%
23.05
General And Administrative Expense
30.84
+7.68%
28.64
+9.69%
26.11
+13.30%
23.05
Salaries And Wages
30.84
+7.68%
28.64
+9.69%
26.11
+13.30%
23.05
Other Gand A
—
—
—
—
Reconciled Depreciation
1.14
+4.11%
1.09
-0.36%
1.10
-4.60%
1.15
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Net Income
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Pretax Income
30.65
-4.79%
32.19
-20.13%
40.31
+35.76%
29.69
Net Interest Income
74.61
+6.54%
70.03
-7.61%
75.80
+26.18%
60.08
Interest Expense
13.31
+3.48%
12.86
+164.39%
4.86
+334.67%
1.12
Interest Income
87.92
+6.07%
82.89
+2.76%
80.67
+31.82%
61.20
Gain On Sale Of Security
-0.00
-103.51%
0.11
-26.92%
0.16
0.00
Tax Provision
6.74
-7.00%
7.24
-23.41%
9.46
+39.35%
6.79
Tax Rate For Calcs
0.00
-2.22%
0.00
-4.26%
0.00
+2.62%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Net Income From Continuing Operation Net Minority Interest
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Net Income From Continuing And Discontinued Operation
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Net Income Continuous Operations
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Normalized Income
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Net Income Common Stockholders
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Diluted EPS
2.88
-4.64%
3.02
-19.47%
3.75
+34.41%
2.79
Basic EPS
2.90
-4.61%
3.04
-19.15%
3.76
+34.29%
2.80
Basic Average Shares
8.24
+0.30%
8.22
+0.30%
8.19
+0.30%
8.17
Diluted Average Shares
8.29
+0.40%
8.26
+0.34%
8.23
+0.32%
8.20
Diluted NI Availto Com Stockholders
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Average Dilution Earnings
0.00
0.00
—
—
Occupancy And Equipment
4.74
+2.91%
4.61
+1.52%
4.54
+9.40%
4.15
Other Non Interest Expense
14.69
+15.07%
12.77
+21.51%
10.51
+3.91%
10.11
Line Item Trend 2023-12-31
Total Assets
1,842.42
Cash And Cash Equivalents
180.07
Cash Financial
—
Other Short Term Investments
518.08
Receivables
8.39
Accounts Receivable
2.87
Prepaid Assets
—
Net PPE
22.72
Gross PPE
34.92
Accumulated Depreciation
-12.20
Land And Improvements
5.20
Buildings And Improvements
10.87
Machinery Furniture Equipment
5.09
Construction In Progress
1.49
Other Properties
6.85
Leases
5.42
Goodwill And Other Intangible Assets
3.47
Investments And Advances
534.89
Long Term Equity Investment
13.68
Total Liabilities Net Minority Interest
1,676.33
Payables And Accrued Expenses
—
Payables
—
Accounts Payable
—
Stockholders Equity
166.09
Common Stock Equity
166.09
Capital Stock
25.43
Common Stock
25.43
Share Issued
8.29
Ordinary Shares Number
8.29
Treasury Shares Number
0.00
Additional Paid In Capital
5.51
Retained Earnings
154.30
Gains Losses Not Affecting Retained Earnings
-19.16
Other Equity Adjustments
-19.16
Total Equity Gross Minority Interest
166.09
Net Tangible Assets
162.62
Tangible Book Value
162.62
Available For Sale Securities
3.13
Cash Cash Equivalents And Federal Funds Sold
222.52
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
28.67
+11.82%
25.64
-22.45%
33.06
+44.96%
22.81
Cash Flow From Continuing Operating Activities
28.67
+11.82%
25.64
-22.45%
33.06
+44.96%
22.81
Net Income From Continuing Operations
23.91
-4.15%
24.95
-19.13%
30.85
+34.70%
22.90
Depreciation Amortization Depletion
1.14
+4.11%
1.09
-0.36%
1.10
-4.60%
1.15
Depreciation
1.14
+4.11%
1.09
-0.36%
1.10
-4.60%
1.15
Depreciation And Amortization
1.14
+4.11%
1.09
-0.36%
1.10
-4.60%
1.15
Other Non Cash Items
-1.39
-31.75%
-1.05
-33.50%
-0.79
-5.21%
-0.75
Stock Based Compensation
0.90
+6.98%
0.84
+58.54%
0.53
-14.31%
0.62
Operating Gains Losses
0.00
+103.51%
-0.11
+26.92%
-0.16
—
Unrealized Gain Loss On Investment Securities
-0.13
-279.73%
0.07
+280.49%
-0.04
-108.63%
0.47
Change In Working Capital
2.61
+319.42%
0.62
+212.05%
-0.56
+64.65%
-1.57
Change In Receivables
-0.32
-84.97%
-0.17
+62.06%
-0.46
+88.22%
-3.87
Changes In Account Receivables
-0.32
-84.97%
-0.17
+62.06%
-0.46
+88.22%
-3.87
Change In Payables And Accrued Expense
-0.16
-117.40%
0.91
+164.78%
-1.41
-261.26%
0.88
Change In Payable
-0.16
-117.40%
0.91
+164.78%
-1.41
-261.26%
0.88
Change In Account Payable
-0.16
-117.40%
0.91
+164.78%
-1.41
-261.26%
0.88
Change In Other Current Assets
0.79
-60.20%
1.98
+336.12%
0.45
-78.48%
2.11
Investing Cash Flow
-57.20
+50.13%
-114.70
-44.27%
-79.50
+78.87%
-376.18
Cash Flow From Continuing Investing Activities
-57.20
+50.13%
-114.70
-44.27%
-79.50
+78.87%
-376.18
Net PPE Purchase And Sale
-4.11
-130.92%
-1.78
+6.07%
-1.89
-59.16%
-1.19
Purchase Of PPE
-4.11
-130.92%
-1.78
+6.07%
-1.89
-59.16%
-1.19
Capital Expenditure
-4.11
-130.92%
-1.78
+6.07%
-1.89
-59.16%
-1.19
Net Investment Purchase And Sale
-16.90
+14.76%
-19.82
-181.51%
24.32
+107.61%
-319.60
Purchase Of Investment
-65.58
+39.48%
-108.36
-163.42%
-41.13
+88.58%
-360.16
Sale Of Investment
48.68
-45.02%
88.53
+35.26%
65.45
+61.38%
40.56
Net Other Investing Changes
1.08
+120.23%
-5.33
-336.80%
-1.22
-574.71%
0.26
Financing Cash Flow
91.97
+122.94%
41.25
+124.76%
-166.62
-3618.16%
4.74
Cash Flow From Continuing Financing Activities
91.97
+122.94%
41.25
+124.76%
-166.62
-3618.16%
4.74
Net Issuance Payments Of Debt
0.00
0.00
0.00
0.00
Issuance Of Debt
0.04
+0.00%
0.04
-98.11%
1.85
0.00
Repayment Of Debt
-0.04
+0.00%
-0.04
+98.11%
-1.85
0.00
Long Term Debt Issuance
0.04
+0.00%
0.04
-98.11%
1.85
0.00
Long Term Debt Payments
-0.04
+0.00%
-0.04
+98.11%
-1.85
0.00
Net Long Term Debt Issuance
0.00
0.00
0.00
0.00
Common Stock Dividend Paid
-5.02
-34.03%
-3.75
-41.61%
-2.65
-6.95%
-2.47
Cash Dividends Paid
-5.02
-34.03%
-3.75
-41.61%
-2.65
-6.95%
-2.47
Net Other Financing Charges
-0.28
-79.75%
-0.16
+25.12%
-0.21
-74.38%
-0.12
Changes In Cash
63.43
+232.65%
-47.82
+77.56%
-213.06
+38.89%
-348.63
Beginning Cash Position
168.75
-22.08%
216.57
-49.59%
429.63
-44.80%
778.27
End Cash Position
232.18
+37.59%
168.75
-22.08%
216.57
-49.59%
429.63
Free Cash Flow
24.56
+2.94%
23.86
-23.45%
31.16
+44.18%
21.62
Interest Paid Supplemental Data
13.28
+4.18%
12.75
+170.35%
4.71
+321.36%
1.12
Income Tax Paid Supplemental Data
5.08
-20.44%
6.38
-38.89%
10.45
+167.24%
3.91
Amortization Of Securities
0.81
-3.58%
0.84
-27.19%
1.15
-13.33%
1.33
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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